An extra layer of protection when you need it.
Umbrella insurance for your needs.
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. An umbrella policy helps to protect your financial future.
Umbrella insurance in South Carolina.
Life doesn’t always go as planned, and sometimes situations can become more complicated than expected. If a claim goes beyond the limits of your auto or home insurance, an umbrella policy can help cover the difference.
It’s an added layer of coverage that helps you stay prepared for larger claims, so you can focus on moving forward without taking on more than you planned.
Start your umbrella insurance quote with C.T. Lowndes & Co. today.
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- Discover your risks.
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Property Damage Liability
Risk Factor
You can be held responsible if you significantly damage another vehicle and/or property. Do you have enough coverage to protect yourself from the risk?
Solution
Your standard auto policy limit could easily be exhausted if you are found to be at fault. An umbrella or excess liability policy provides an extra layer of protection once your standard liability limits are exhausted. It’s a cost-effective way to ensure the peace of mind you deserve.
Bodily Injury Liability
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into a pedestrian, bicycle, or another vehicle. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
An umbrella or excess liability policy helps extend your coverage to better protect you against these significant costs. It’s the ideal coverage to provide peace of mind, even when the unthinkable happens.
Lawsuits
Risk Factor
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
Solution
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies - providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
Watercraft Liability
Risk Factor
Accidents can happen to anyone at any time, even those who have been out on the water for years. Personal watercraft insurance is a necessity, but sometimes the limit these policies provide isn't enough.
Solution
Your standard watercraft policy limit could easily be exhausted if you are found to be at fault for property damage or personal injury. An umbrella or excess liability policy can extend those limits, providing you an additional layer of financial protection.
What is umbrella insurance?
Umbrella insurance is extra liability insurance designed to sit on top of your underlying policies such as your homeowners insurance, auto insurance, or property insurance.
When the existing limits of your primary insurance are reached, your umbrella policy activates.
This type of excess liability insurance provides higher liability coverage, often in million dollar increments, extending far beyond what standard policies can handle.
It can help cover legal fees, attorney fees, defense costs, and financial responsibility if you are found liable for bodily injury, property damage, or other liability claims.
A personal umbrella policy is one of the most affordable ways to add extra liability coverage and strengthen your overall insurance coverage.
Who needs umbrella insurance?
Anyone can benefit from extra coverage, but an umbrella policy is especially smart if you:
- Own a home, rental property, or other business property
- Have significant assets or rising future earnings to protect
- Have a teen driver on your auto policy
- Want additional liability protection for risks not typically covered under base policies
- Host guests on your own property
- Have higher exposure to personal liability or landlord liability
What does umbrella insurance cover?
A well-structured umbrella policy can provide coverage far beyond your standard policies. While every insurer is different, umbrella insurance can help with:
Higher Liability Limits After Your Underlying Insurance Pays
Once your homeowners policy, auto insurance policy, or base property insurance hits its retained limit, umbrella insurance takes over.
Protection For Major Claims
If you are held responsible for property damage, bodily injury, or extensive medical bills, umbrella insurance picks up where your primary insurance stops.
Claims Involving Vehicles
If a car accident or auto accident causes severe injuries or extensive damage to the other car, umbrella coverage helps once your auto insurance limits are exceeded.
Legal Protection
Umbrella insurance covers defense costs, legal defense costs, and attorney fees, even if the claim is not valid.
What umbrella insurance does not cover.
It does not cover your own injuries, your own personal property, or business losses unrelated to liability. It also does not replace underlying policies, and it will not respond if an exclusion applies.
If you are unsure how much coverage you need, the team at C.T. Lowndes will help you compare limits, understand your risks, and choose a policy that fits your lifestyle and assets.
How much does umbrella insurance cost?
The umbrella insurance cost is usually lower than expected. Because umbrella protection only activates after your underlying coverage pays first, it is an affordable way to add real protection.
Your rate depends on your homes, vehicles, driving history, other policies, and other factors.
Get an umbrella insurance quote.
For more than 175 years, C.T. Lowndes & Co. has helped countless South Carolina businesses and families secure the right insurance, protecting their employees, their property, and their financial futures. Our service has earned a 4.8 star rating from our policyholders.
Request your umbrella insurance quote from C.T. Lowndes & Co. today.
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As an independent agency, we are here to help you find the right Umbrella Insurance coverage.
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As an independent agency, we are here to help you find the right coverage.
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